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Cleaner recommendations in LES/Chinatown area?
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Chief
Joint
We are both on the deed and the mortgage.
Just me on the mortgage and deed. Done intentionally- we only qualified off one income so why put it on both of our credit reports. Hoping this also makes it easier to buy a second property, which will likely be in his name only. Or if we rent (will move the property into an LLC)
His credit is already fantastic so he didn’t need the help. That isn’t what i meant, tho - getting a second home with an existing mortgage reported can be difficult depending on circumstances
Chief
In my state it doesn’t matter who’s on the deed if you’re married. I think it’s called a “tenants in common” state?
I think you’re referring to common property, tenancy in common requires two or more owners.
Joint
Joint
Joint
We both own it.
Pro
I own it - my name is on the deed. I had the mortgage alone. However it is our marital home so he’s entitled to 50% of it.
My husband bought the house before we met so his name was on the deed and mortgage but then we refinanced so now both of our names are on there. He still takes care of the payments though, while I take care of other bills.
And even before the financing though he took care of the payments it was considered both if ours. It was just easier for him to keep paying but have me grab other bills. We have separate accounts for the convenience of managing but consider it all "ours".
Loan on one, deed on both! Same structure for all properties we own
Pro
Joint. Everything is clear and easy.
Joint for us, we purchased a few months before our wedding / while engaged.
Rising Star
First house bought myself. Husband moved in prior to getting married and lived together for
a few years. Eventually sold and bought a different house with both of us on the mortgage and deed.
Rising Star
Joint
Joint